So you want to buy a house? That’s awesome! Congratulations. But are you ready to buy a house? Have you done your research and legwork to find out the best house in the best neighborhood for you? I’m talking about all the other little things that influence your buying decision and the neighborhood you pick. Read on to see what I’m talking about.
We are all familiar with travel rewards credit cards, but there are also reward programs offered by hotels themselves. If you are going to have to stay in a hotel, why not earn rewards for doing so? Recently I joined Choice Privileges.
Where Points Are Earned
Choice Privileges rewards are accrued at 10 points per dollar spent at Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion, Ascend Collection and Cambria Suites hotel. Choice Privileges are accrued at 5 points per dollar spent at MainStay Suites, Suburban Extended Stay, Econo Lodge and Rodeway Inn hotels.
Qualifying hotels are found in the U.S. including Hawaii, Canada, Caribbean/Mexico, Central/South America, Europe, Asia & Pacific.
Signing up for Choice Privileges can be done in less than five minutes. You are required to give basic information such as your name, address, and e-mail address. You can optionally give more information such as your birthday, phone number and credit card information.
One of the ways you can improve your financial stability and freedom is by cultivating income diversity. Income diversity means that, rather than relying on a single source of income, you actually develop different income streams. One way that you can increase your income streams is through income investing.
Income Investing: The Basics
Prosper.com is a personal loan and investing site with over one million members and over two hundred fifteen million dollars in personal loans funded since 2006. Using a unique person to person lending model, prosper.com connects borrowers and lenders and allows them to establish a mutually beneficial financial relationship. Prosper offers borrowers rates as low as 5.9% and lender returns as high as 10.1% (this varies, of course based on your borrowing and lending situation).
What is Person to Person or Peer Lending?
There’s been a movement the past couple of years to move to a smaller home in order to save money. It’s understandable with the economy the way it is and all. Still, many people look to the time when they can get a bigger home. Sometimes you just need more space. Some just want the bigger place. I still see homes being torn down and re-built into much larger houses. Thing is, when you buy a bigger house you aren’t just paying a bigger mortgage. With a bigger house comes some other expenses and costs that increase.
Some Ways You Will Pay More With a Bigger House:
Here in America, we view the housing market as one of the main pillars of the economy. As a result, when the real estate market moves slowly, our leaders are concerned about what could happen to the economy. This was a big concern in late 2007 and early 2008 as signs of a housing meltdown really began manifesting. Even before the financial crisis, leaders were trying to prevent a real estate market collapse, and they began offering a first-time homebuyer tax credit to encourage citizens to buy homes.
Homebuyer Tax Credit 2008: Not a True Tax Credit
So a couple of weeks ago I splurged and bought an eReader – The Barnes & Noble NOOKcolor. I never thought I’d be one for electronic books but so far I’m loving it!
How Did I Come About Buying an eReader?
I always thought the idea of eReaders were kinda neat but I liked the romanticism of turning the actual pages. As I said, I never thought I’d get into an eReader.
I had seen the Amazon Kindle, both on the Amazon site and in Staples a few times. It looked really cool but I couldn’t justify the cost.
What changed? I started the school semester, late January, with an economics class. The professor required us to buy this online package so we could submit our homework online (this was required) and it also included the online edition of the book. There was no option for just the homework submission. Not wanting to buy a physical copy (there weren’t any used copies of the book out there to get) and not wanting to read it all on my laptop (I sit in from of it all day already) I started to look into eReaders. Note: I could have also printed out the book but I didn’t want to blow up my printer. Bringing a file to a printing store was also an option too (but I kinda got myself psyched up for an eReader).